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| (Amount in Rs. lakh)
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| | | | For the year ended 31st March
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| | | | State Bank of India | Nationalised Banks | Other Scheduled | Foreign Banks | Regional Rural | Total |
Items | and its Associates
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| Commercial Banks
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| Banks
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| | | | 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
| 1998
| 1999
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| (1)
| (2)
| (3)
| (4)
| (5)
| (6)
| (7)
| (8)
| (9)
| (10)
| (11)
| (12)
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Number of reporting banks | 8 | 8 | 19 | 19 | 34 | 33 | 42 | 44 | 196 | 196 | 299 | 300 |
I. | Interest earned | 2120884 | 2512615 | 3785799 | 4434816 | 788214 | 1000400 | 678311 | 785713 | 261284 | 327739 | 7634492 | 9061283 |
| | a) | Interest/discount on advances/bills | 1080976 | 1165981 | 1879878 | 2141332 | 463409 | 530137 | 426067 | 440318 | 96176 | 113697 | 3946506 | 4391465 |
| | b) | Income on Investments | 844341 | 1012145 | 1669400 | 1968766 | 284630 | 384349 | 198301 | 272868 | 89533 | 117462 | 3086205 | 3755590 |
| | c) | Interest on balances with RBI and other inter-bank funds | 80270 | 133859 | 196884 | 245696 | 35846 | 68938 | 44457 | 59491 | 68070 | 89857 | 425527 | 597841 |
| | d) | Others | 115297 | 200630 | 39637 | 79022 | 4329 | 16976 | 9486 | 13036 | 7505 | 6723 | 176254 | 316387 |
II . | Other income | 366226 | 422324 | 497294 | 516952 | 156683 | 145013 | 191424 | 186256 | 14348 | 15733 | 1225975 | 1286278 |
| | a) | Commission, exchange and brokerage | 264751 | 309949 | 232344 | 258300 | 51938 | 62421 | 102186 | 111516 | 4877 | 5550 | 656096 | 747736 |
| | b) | Net Profit (loss) on sale of investments | 17418 | 8942 | 80573 | 47512 | 56374 | 20965 | 32508 | 9702 | - | - | 186873 | 87121 |
| | | i) Profit on sale of investments | 17741 | 9967 | 83244 | 53909 | 56643 | 22746 | 32821 | 15788 | - | - | 190449 | 102410 |
| | | ii) Loss on sale of investments | 323 | 1025 | 2671 | 6397 | 269 | 1781 | 313 | 6086 | - | - | 3576 | 15289 |
| | c) | Net Profit (loss)on sale of land, building & other assets | 133 | (104) | 3512 | 653 | (44) | (1) | (90) | 151 | - | - | 3511 | 699 |
| | | i) Profit on sale of land, building & other assets 137 | | 25 | 3567 | 738 | 43 | 72 | 56 | 501 | - | - | 3803 | 1336 |
| | | ii) Loss on sale of land, building & other assets 4 | | 129 | 55 | 85 | 87 | 73 | 146 | 350 | - | - | 292 | 637 |
| | d) | Net Profit (loss) on exchange transaction | 65076 | 71272 | 90886 | 98430 | 20266 | 26089 | 52821 | 60891 | - | - | 229049 | 256682 |
| | | i) Profit on exchange transaction | 65076 | 71272 | 93210 | 100909 | 20266 | 26089 | 120481 | 63406 | - | - | 299033 | 261676 |
| | | ii) Loss on exchange transaction | - | - | 2324 | 2479 | - | - | 67660 | 2515 | - | - | 69984 | 4994 |
| | e) | Miscellaneous income | 18848 | 32265 | 89979 | 112057 | 28149 | 35539 | 3999 | 3996 | 9471 | 10183 | 150446 | 194040 |
| | Total(I+II) | 2487110 | 2934939 | 4283093 | 4951768 | 944897 | 1145413 | 869735 | 971969 | 275632 | 343472 | 8860467 | 10347561 |
III. | Interest expended | 1390414 | 1698284 | 2626049 | 3085692 | 590473 | 784145 | 422227 | 520057 | 176656 | 213038 | 5205819 | 6301216 |
| | a) | Interest on deposits | 1284132 | 1593620 | 2508473 | 2964137 | 551083 | 726227 | 333536 | 406892 | 152194 | 187230 | 4829418 | 5878106 |
| | b) | Interest on RBI/inter-bank borrowings | 52782 | 54041 | 45006 | 59126 | 19129 | 28740 | 71607 | 95979 | 19825 | 19579 | 208349 | 257465 |
| | c) | Others | 53500 | 50623 | 72570 | 62429 | 20261 | 29178 | 17084 | 17186 | 4637 | 6229 | 168052 | 165645 |
IV. | Operating expenses | 623462 | 771850 | 1103925 | 1273131 | 172774 | 213790 | 193120 | 257951 | 84311 | 105602 | 2177592 | 2622324 |
| | a) | Payments to and provisions for employees | 467532 | 549289 | 795297 | 934678 | 84952 | 102892 | 61829 | 76988 | 73441 | 85397 | 1483051 | 1749244 |
| | b) | Rent, taxes and lighting | 44964 | 49662 | 78575 | 85192 | 18041 | 21487 | 19236 | 22819 | 1933 | 2234 | 162749 | 181394 |
| | c) | Printing and stationery | 11238 | 11947 | 18143 | 17754 | 4084 | 4615 | 5043 | 5839 | 1072 | 1147 | 39580 | 41302 |
| | d) | Advertisement and publicity | 1938 | 2602 | 4587 | 4681 | 3656 | 3539 | 10498 | 10787 | 19 | 33 | 20698 | 21642 |
| | e) | Depreciation on bank's property | 20904 | 38471 | 39209 | 44847 | 23068 | 33879 | 15838 | 18596 | 610 | 732 | 99629 | 136525 |
| | f ) | Directors' fees, allowances and expenses | 116 | 131 | 328 | 357 | 258 | 317 | 104 | 117 | 7 | 7 | 813 | 929 |
| | g) | Auditors' fees and expenses | 2495 | 2964 | 6182 | 6590 | 434 | 556 | 199 | 235 | 167 | 177 | 9477 | 10522 |
| | h) | Law charges | 1654 | 2131 | 5752 | 5598 | 1277 | 1017 | 2547 | 2031 | 89 | 98 | 11319 | 10875 |
| | i) | Postage, telegrams, telephones, etc. | 8817 | 9740 | 13257 | 15101 | 5278 | 6681 | 12579 | 14893 | 607 | 718 | 40538 | 47133 |
| | j) | Repairs and maintenance | 5475 | 5959 | 13308 | 15821 | 4032 | 5818 | 10275 | 12545 | 192 | 228 | 33282 | 40371 |
| | k) | Insurance | 7306 | 9580 | 24486 | 25908 | 3340 | 4333 | 2975 | 4508 | 1505 | 1348 | 39612 | 45677 |
| | l) | Other expenditure | 51023 | 89374 | 104801 | 116604 | 24354 | 28656 | 51997 | 88593 | 4669 | 13483 | 236844 | 336710 |
V . | Provisions and contingencies | 232086 | 318240 | 296391 | 413701 | 97459 | 76607 | 191395 | 124396 | 7538 | 8443 | 824869 | 941387 |
| | Total expenses | 2245962 | 2788374 | 4026365 | 4772524 | 860706 | 1074542 | 806742 | 902404 | 268505 | 327083 | 8208280 | 9864927 |
VI.
| Profit(loss)
| 241148
| 146565
| 256728
| 179244
| 84191
| 70871
| 62993
| 69565
| 7127
| 16389
| 652187
| 482634
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